Truist Truist Enjoy Beyond vs Truist Enjoy Cash
Both are Truist cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Truist Enjoy Beyond 1.0% 1x base rate
- Truist Enjoy Cash 1.0% 1% base rate
Dining
- Truist Enjoy Beyond 2.0% 2x
- Truist Enjoy Cash 1.0% 1% base rate
Groceries
- Truist Enjoy Cash 2.0% 2%
- Truist Enjoy Beyond 1.0% 1x base rate
Gas
- Truist Enjoy Cash 3.0% 3%
- Truist Enjoy Beyond 1.0% 1x base rate
Utilities
- Truist Enjoy Cash 2.0% 2%
- Truist Enjoy Beyond 1.0% 1x base rate
Flights
- Truist Enjoy Beyond 3.0% 3x
- Truist Enjoy Cash 1.0% 1% base rate
Hotels
- Truist Enjoy Beyond 3.0% 3x
- Truist Enjoy Cash 1.0% 1% base rate
Car rental
- Truist Enjoy Beyond 3.0% 3x
- Truist Enjoy Cash 1.0% 1% base rate
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Truist Enjoy Beyond $95 and Truist Enjoy Cash $0 a year, so a thin lead in one category may not cover the difference.
Where they differ: Truist Enjoy Beyond takes dining, flights, hotels and car rental; Truist Enjoy Cash takes groceries, gas and utilities.
| Category | Best card |
|---|---|
| Everything else | Truist Enjoy Beyond1.0% |
| Dining | Truist Enjoy Beyond2.0% |
| Groceries | Truist Enjoy Cash2.0% |
| Gas | Truist Enjoy Cash3.0% |
| Utilities | Truist Enjoy Cash2.0% |
| Flights | Truist Enjoy Beyond3.0% |
| Hotels | Truist Enjoy Beyond3.0% |
| Car rental | Truist Enjoy Beyond3.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Truist Enjoy Beyond — 1.0%
- Truist Enjoy Cash — 1.0%
Dining
- Truist Enjoy Beyond — 2.0%
- Truist Enjoy Cash — 1.0%
Groceries
- Truist Enjoy Cash — 2.0%
- Truist Enjoy Beyond — 1.0%
Gas
- Truist Enjoy Cash — 3.0%
- Truist Enjoy Beyond — 1.0%
Utilities
- Truist Enjoy Cash — 2.0%
- Truist Enjoy Beyond — 1.0%
Flights
- Truist Enjoy Beyond — 3.0%
- Truist Enjoy Cash — 1.0%
Hotels
- Truist Enjoy Beyond — 3.0%
- Truist Enjoy Cash — 1.0%
Car rental
- Truist Enjoy Beyond — 3.0%
- Truist Enjoy Cash — 1.0%
This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.
iPhone app · not yet released
Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.
Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.